Investor Presentaiton

Differentiated Business Model... DEEP CONSUMER LENDING EXPERTISE $1.2T Purchase Volume since IPO 9K+ Consumer Attributes Used for Underwriting and Cyber Security $92B Loan Receivables synchrony PURCHASE VOLUME BY PLATFORM 29% DIGITAL 33% DIVERSIFIED & VALUE 27% HOME & AUTO 8% HEALTH & WELLNESS 3% LIFESTYLE BROAD REACH 460K+ Partner Locations 100Ms Customer Visits across our CareCredit, Home, Car Care and MySynchrony Networks 70M+ Active Accounts 235M+ Transactions per Month2 NON-DISCRETIONARY BALANCED PORTFOLIO OUT OF PARTNER SPEND Health & Pet 12% Auto & Gas 19% T&E 7% 11% Grocery 15% Bill Pay 6% Discount Stores 22% Clothing/ Other INNOVATION-DRIVEN EVOLUTION 46 U.S. Patents 200+ Agile Build Teams ~60% Digital Applications YEAR-END RECEIVABLES 8% Home Furnishings 26% NON-PRIME 33% PRIME 41% SUPER-PRIME 3

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